Cook Garlic + Onions: Bring 12 inch skillet to medium-high heat. Add 4 tablespoons butter and let melt. Swirl to coat the pan. Add onion and 1 teaspoon garlic. Move around pan until garlic becomes fragrant and onions soften a bit, approx. 2-3 minutes. Remove onions from pan and place on a small plate; set aside.
Make Sauce: Add ⅓ cup all-purpose flour and use a whisk to combine with butter to create a paste (a.k.a. a roux). Whisk continually and slowly add 1 ½ cup unsweetened/unflavored Nutpods creamer about 1/4 cup at a time. Continue adding and whisking as the liquid combines with the roux. Once you have added the creamer, add ½ cup chicken broth the same way. Continue whisking and ensure the mixture is simmering gently as it continues to thicken. Add 1 teaspoon kosher salt, ¼ teaspoon ground black pepper, and onions back in, stir to combine and remove from heat.
Layer in Pan: Spray a 9x13 casserole pan with non-stick cooking spray. Layer half of the potatoes on the bottom. Top with half the sauce, then 1/2 the ham, 1/2 cup of the monterey cheese (or Gruyere), 1/2 cup of cheddar jack and all of the parmesan. Then layer the remaining potatoes, the remaining sauce, and the rest of the ham, monterey jack and cheddar jack cheeses.
Bake: Cover with aluminum foil and place in oven, middle rack, for 1 hour. Remove and test the potatoes to ensure they are soft, but still a bit firm. If they need longer, cover again, and continue cooking in 10 minute increments until they are fully cooked. Otherwise, uncover and return to oven for 10 minutes to really make sure the cheese is bubbly.
Cool + Serve: Remove from oven and let cool at least 15 minutes (otherwise it will fall apart if you try and scoop it up) before serving.
Notes
*Creamer: I love using Nutpods (ensure it is unsweetened and unflavored) - you can't tell the difference and it just lightens up this otherwise heavier (but delicious) holiday side dish! Use what works best for you, but I highly recommend you try it!
Potatoes: I recommend using a mandolin slicer so you get uniform, thin slices. You could use russet potatoes but for best results use Yukon golds.
Storage: store leftovers in an airtight container in the refrigerator for up to 5 days.